If a person saved $4,000 a year at an annual rate of 6 percent with the company contributing $1,000 a year he would have $122748 in 15 years.
The future value of an interest-bearing account that has received a series of equal deposits can be calculated by adding the future values of each individual deposit. The future value of the account can also be determined using a calculation known as the Future Value of Annuity Due.
An Annuity is defined as a series of equal payments made at regular intervals. These are referred to as annuity due if they are made at the start of every period.
In this case we can assume that the deposits are made at the beginning of each year and that the total amount saved per year is $4000 + $1000 = $5000.
The future value of Annuity Due formula can then be used to calculate the value of the savings account after 15 years.
[tex]FV = (1 + r)[/tex] × [tex]P[/tex] × [tex]\frac{(1 + r)^{n} - 1}{r}[/tex]
where P is the amount of the periodic payment, r is the interest rate per period, and n is the number of time periods.
For this problem, P = $5000, r = 0.06 and n = 15. the amount you would have in 15 years could then be calculated a s follows:
[tex]FV = (1.06) * 5000 * \frac{1.06^{15} - 1 }{0.06} = 122748[/tex]
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Which nims management characteristic refers to personnel requested.
The NIMS (National Incident Management System) management characteristic that refers to personnel requested is "Dispatch/Deployment."
This refers to the process of identifying the personnel and resources required to respond to an incident and dispatching them to the scene as quickly as possible. Dispatch/Deployment involves determining the appropriate type and number of personnel needed, as well as the necessary equipment and supplies. Effective Dispatch/Deployment requires strong communication and coordination among all involved parties to ensure that resources are properly allocated and deployed in a timely manner. This management characteristic is critical to ensuring an effective and efficient response to any emergency or incident.
The NIMS management characteristic that refers to personnel requested is "Resource Management." Resource Management ensures that resources, including personnel, are effectively and efficiently allocated to meet incident objectives. It involves the identification, ordering, dispatching, tracking, and demobilization of resources needed for incident response. This characteristic helps in maintaining a coordinated and orderly approach to providing resources during an incident, ensuring a smooth response process.
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f the price for a box of kiwis is $40, the wage rate for kiwi laborers is $10 per hour, and a laborer can pick 3 boxes of kiwis per hour, the group of answer choices mpp is $30 per hour. wage rate will tend to fall. cost efficiency is 3/10 of a box per dollar. mrp is $30 per hour.'
The MRP of a laborer is $120 per hour, the MPP of a laborer is 3 boxes per hour, the cost efficiency of a laborer is 0.3 boxes per dollar, and the wage rate may or may not tend to fall depending on the supply and demand of kiwi laborers. (option d).
The Marginal Revenue Product (MRP) of a laborer is the additional revenue generated by hiring one more unit of labor. In this case, assuming the market for kiwi boxes is perfectly competitive, the MRP can be calculated as the price of a kiwi box multiplied by the marginal physical product (MPP) of the laborer.
MRP = Price x MPP
In this case, the price of a kiwi box is $40 and the MPP of a laborer is 3 boxes per hour. Therefore, the MRP of a laborer is:
MRP = $40 x 3 = $120 per hour
The Marginal Physical Product (MPP) of a laborer is the additional output generated by hiring one more unit of labor, holding all other inputs constant.
The cost efficiency of a laborer is the amount of output produced per unit of input cost. In this case, the input cost is the wage rate of kiwi laborers, which is $10 per hour. Therefore, the cost efficiency can be calculated as the MPP of the laborer divided by the wage rate.
Cost efficiency = MPP / Wage rate
In this case, the cost efficiency of a laborer is:
Cost efficiency = 3 / 10 = 0.3 boxes per dollar
This means that for every dollar spent on labor, 0.3 boxes of kiwis are produced.
Hence the correct option is (d).
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Complete Question:
If the price for a box of kiwis is $40, the wage rate for kiwi laborers is $10 per hour, and a laborer can pick 3 boxes of kiwis per hour,
1. the MRP is $30 per hour.
2. MPP is $30 per hour.
3. Cost efficiency is 3/10 of a box per dollar.
4.Wage rate will tend to fall.
in a consensual purchase decision, the group agrees on the desired purchase. group of answer choices false true
A consensual purchase decision means that everyone in the group agrees on the desired purchase. Therefore, the statement is true.
In a consensual purchase decision, the members of the group come to an agreement on the desired product or service to purchase, which means they reach a consensus. There are three types of Consensual Purchase Decision. The three styles of decision-making are nominal, which involves little to no searching for alternatives, restricted, which involves some but not much searching for alternatives, and extended, which involves thorough searching for alternatives and post-purchase analysis.
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the overview of your marketing plan should start off with a reasoned argument for making the required investment (budget $) to implement the proposed plan.
T/F
An case for spending the necessary money (budget) to carry out the suggested strategy should be presented in the introduction of your marketing plan. True.
Gather information about your market and clients to start. Your marketing plan must include market research as a key component. It entails acquiring and assessing data on the size, growth, and trends of your market and your sector.
The Executive Summary, which enumerates the major components of your overall marketing plan, is the first section of your marketing strategy document. A description of your business is provided, together with a brief summary of its goods and/or services, target market, rivals, and financial predictions.
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what investment would have returned the most return since 1926? inflation government bonds treasury bills small company stocks large company stocks
According to data from the past century, small company stocks have had the highest return on investment since 1926, with an average annual return of 11.9%. Large company stocks have also performed well, with an average annual return of 9.8%. In comparison, government bonds have returned an average of 5.5% per year.
It's important to note that while small company stocks may have the potential for higher returns, they also come with higher risk. These stocks are typically less established and more vulnerable to market fluctuations. Large company stocks may offer a more stable investment, but may not have the same potential for growth as small company stocks.
Additionally, inflation can greatly impact the returns on investments. Inflation erodes the purchasing power of money over time, meaning that investments that do not keep up with inflation can actually result in a loss of value. As such, it's important to consider inflation when evaluating investment returns.
Overall, the best investment for an individual will depend on their individual risk tolerance, investment goals, and time horizon. It's important to carefully evaluate investments and seek the guidance of a financial advisor when making investment decisions.
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Home nations discourage foreign direct investment outflows because it ________.
Home nations discourage foreign direct investment outflows because it may negatively impact their economy and reduce job opportunities for their citizens.
When companies invest their funds in other countries, it means that they are creating jobs and boosting the economy of those countries. However, this may come at the expense of the home country's economy. This is because the outflow of investment reduces the amount of capital available for investment in the home country, and may lead to a loss of jobs and reduced economic growth. Additionally, foreign direct investment outflows may result in the transfer of knowledge and expertise to other countries, which can make them more competitive and leave the home country at a disadvantage. As a result, home nations discourage foreign direct investment outflows to protect their own economy and job opportunities.
When a country's companies invest in other countries through foreign direct investment, it can result in the transfer of financial resources, technology, and jobs from the home nation to the foreign countries. This may negatively impact the domestic economy by reducing investment in local industries, leading to lower economic growth, decreased job opportunities, and potential loss of technological advancements.
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for an emerging business, metrics should, first and foremost, do which of the following? group of answer choices track profitability closely measure unit volume, revenues, and earnings relative to profit and loss plans measure success in cost minimization track progress in developing the value proposition
For an emerging business, metrics should first and foremost track progress in developing the value proposition. This means measuring how well the business is creating and delivering a unique and compelling offering to customers.
While profitability, unit volume, revenues, and earnings are important metrics to track, they are all ultimately dependent on the strength of the By focusing on developing and refining the value proposition, an emerging business can establish a strong foundation for long-term success and profitability. Additionally, tracking progress in this area can help the business identify areas for improvement and make data-driven decisions to optimize its offering. Focusing on the value proposition helps the business to establish its brand and product/service offerings, and to attract and retain customers, which is essential for long-term success. While tracking profitability, revenues, earnings, and cost minimization is important, these metrics become more critical as the business matures and shifts its focus to optimizing financial performance.
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FILL IN THE BLANK. Demand is said to be _____________ when the quantity demanded is not very responsive to changes in price.
Demand is said to be price elasticity when the quantity demanded is not very responsive to changes in price. Demand is considered to be price elastic, or highly responsive to price changes.
If the percentage change in quantity demanded is more than the percentage change in price. For each good, the price elasticity of supply or demand will be different.
Take a 50% price rise for two products, candy bars and prescription medications, as an example. While price increases should result in a decrease in demand for both candy bars and prescription drugs, the percentage change in the quantity demanded for candy bars is likely to be much higher than the percentage change in the quantity demanded for prescription drugs because candy bars are less essential than prescription drugs.
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when we encounter a highly unusual event, we are particularly likely to notice and consider the event. as a consequence:
When we encounter a highly unusual event, we are particularly likely to notice and consider the event because it is different from our normal experiences. This heightened awareness can lead to greater information processing and memory consolidation, as we try to make sense of the event and integrate it into our existing knowledge.
As a consequence, we may be more likely to remember unusual events and give them greater significance or meaning.
This can have both positive and negative effects, depending on the nature of the event and how we interpret it. For example, a positive and unusual event, such as winning the lottery, may lead to increased happiness and optimism, while a negative and unusual event, such as a natural disaster, may lead to increased anxiety and distress.
Overall, our tendency to notice and consider unusual events can have important implications for our perceptions, emotions, and behaviors, and it is important to be mindful of how we interpret and respond to these events in order to optimize our well-being and resilience.
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Most financial assets other than money function as:.
Most financial assets other than money function as a store of value, but not necessarily as a medium of exchange or a unit of account. So, correct option is C.
A store of value is an asset that retains its value over time, allowing individuals and businesses to save and accumulate wealth. Common examples of store of value assets include stocks, bonds, real estate, and precious metals like gold.
These assets can be bought and held for an extended period, with the expectation that their value will appreciate over time or at least maintain its purchasing power.
In contrast, money serves as a medium of exchange, a unit of account, and a store of value. It is a widely accepted means of payment and is used to measure the value of goods and services. Money is also a reliable store of value, as it can be easily exchanged for goods and services and is generally accepted as a form of payment.
Therefore, while most financial assets serve as a store of value, they may not necessarily function as a medium of exchange or a unit of account, which are unique roles fulfilled by money.
So, correct option is C.
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Most financial assets other than money function as
a. a medium of exchange, a unit of account, and a store of value.
b. a medium of exchange and a store of value, but not a unit of account.
c. a store of value and a unit of account, but not a medium of exchange.
d. a store of value, but not a unit of account nor a medium of exchange
Below are data for three publicly traded grocery stores that range in size from local (Village Super Markets) to regional (Publix) to national (Kroger). Use the ratios below to answer the requirements. Assume
that the companies sell roughly the same mix of products and face about the same inventory costs.
Fiscal 2018 Publix Kroger Village Super Market
Gross profit margin %. . . . . . . . . . . . . . . . . . . 29.6% 21.7% 27.2%
Number of stores at year-end. . . . . . . . . . . . . 1,211 2,764 30
Sales ($ per square foot) . . . . . . . . . . . . . . . . $639 $677 $1,165
Sales per store ($ millions). . . . . . . . . . . . . . . $ 30 $ 44 $ 54
Average store size (thousand square feet). . . 47 65 46
COGS (per square foot) . . . . . . . . . . . . . . . . . $450 $530 $ 848
Days inventory outstanding . . . . . . . . . . . . . . 26.5 25.7 12.6
Required
a. On average, which company has the freshest food?
b. Which company is least efficient with its space?
c. Which company has the lowest prices?
d. Which company is busiest?
e. Which company has the smallest stores
a. Village Super Market has the lowest DIO, so it has the freshest food on average. b. Publix has the lowest sales per square foot, so it is the least efficient with its space.
a. To determine which company has the freshest food, we will look at the Days Inventory Outstanding (DIO) ratio. The company with the lowest DIO has the freshest food on average.
- Publix: 26.5
- Kroger: 25.7
- Village Super Market: 12.6
Village Super Market has the lowest DIO, so it has the freshest food on average.
b. To determine which company is least efficient with its space, we will look at the Sales per Square Foot.
- Publix: $639
- Kroger: $677
- Village Super Market: $1,165
Publix has the lowest sales per square foot, so it is the least efficient with its space.
c. To determine which company has the lowest prices, we will look at the Cost of Goods Sold (COGS) per square foot.
- Publix: $450
- Kroger: $530
- Village Super Market: $848
Publix has the lowest COGS per square foot, so it likely has the lowest prices.
d. To determine which company is busiest, we will look at the Sales per Store.
- Publix: $30 million
- Kroger: $44 million
- Village Super Market: $54 million
Village Super Market has the highest sales per store, so it is the busiest.
e. To determine which company has the smallest stores, we will look at the Average Store Size (in thousand square feet).
- Publix: 47
- Kroger: 65
- Village Super Market: 46
Village Super Market has the smallest average store size.
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Transportation problems can be classified as which type of linear programming problem?
I. Resource-allocation problems.
II. Cost-benefit-tradeoff problems.
III. Fixed-requirement problems.
Please select the correct answer:
A) I only
B) II only
C) III only
D) Both I and II
E) None of the answer choices is correct.
Transportation problems can be classified as a special type of linear programming problem known as Resource-allocation problems.Option A.
Resource-allocation problems deal with the flow of goods, resources, or people through a network of nodes and links.
In the case of transportation problems, the nodes represent sources, such as factories or warehouses, and destinations, such as retail stores or customers, while the links represent the routes or transportation channels between them.
The objective of a transportation problem is to determine the optimal shipping plan that minimizes the total transportation cost or maximizes the total profit, subject to various constraints such as capacity limitations, demand requirements, and supply availability.
This is typically achieved through the use of mathematical algorithms such as the transportation simplex method, which iteratively identifies the most cost-effective shipping routes and adjusts the allocation of goods accordingly.
Transportation problems are particularly relevant in supply chain management, logistics, and distribution, where they can help companies optimize their shipping and inventory management strategies.
By modeling the transportation system as a linear programming problem, companies can identify inefficiencies, reduce costs, and improve customer service levels.
Overall, transportation problems are a crucial tool for decision-makers in industries where effective logistics and supply chain management are essential for success. So the correct answer is Option A.
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Jordan wants to know how long it will take to take for the money she deposited to double. She has an interest rate of 4%. Calculate how long it will take to double.
It will take approximately 18 years for Jordan's money to double at a 4% interest rate
To calculate how long it will take for Jordan's money to double at a 4% interest rate, we can use the Rule of 72.
The Rule of 72 states that to find the approximate number of years for an investment to double, you divide 72 by the annual interest rate.
So, for Jordan's case, we divide 72 by 4 to get:
72/4 = 18
Therefore, it will take approximately 18 years for Jordan's money to double at a 4% interest rate
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Note that common activities are listed toward the top, and less common activities are listed toward the bottom. According to O*NET, what common work activities are performed by Database Administrators? Check all that apply.
repairing and maintaining mechanical equipment
analyzing data or information
interacting with computers
processing information
working directly with the public
handling and moving objects
According to O*NET, the common work activities performed by Database Administrators are:
Analyzing data or informationInteracting with computersProcessing informationWhat do data admins do ?Database administrators employ various software tools to interact with computers and manage databases. To develop, implement, and sustain database systems, they predominantly utilize database management software. They further depend upon programming languages and additional tools to automate mundane duties and enhance database efficiency.
Processing data is an integrant work activity for these professionals. As such, they actively oversee copious amounts of data which may include inputting and extracting information, developing reports, and upholding database security.
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which design discipline is characterized by the use of words and pictures to improve visual communication? group of answer choices interactive design graphic design industrial product design motion graphics
The design discipline that is characterized by the use of words and pictures to improve visual communication is graphic design.
This field involves creating visual content that communicates a message to a target audience. Graphic designers use various elements such as typography, color, images, and layout to create a visual composition that conveys a message effectively. Graphic design can be applied to various mediums, including print, digital, and packaging. One of the main goals of graphic design is to create designs that are visually appealing and easy to understand. This can involve creating designs that are visually engaging, as well as using typography and images to convey a message in a clear and concise way. Additionally, graphic designers must consider the target audience when designing, as different audiences may require different design approaches. Overall, graphic design is an important discipline that plays a significant role in improving visual communication. By using words and pictures to create engaging designs, graphic designers can help individuals and businesses effectively communicate their message to their intended audience.
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How much can a dependent child earn in 2020 and still be claimed?.
In 2020, a dependent child can earn up to $4,300 and still be claimed as a dependent on the taxpayer's return.
There are certain criteria that must be met in order for a child to be claimed as a dependent, including age, relationship to the taxpayer, and amount of support provided. Additionally, if the child is earning income, they may need to file their own tax return and pay taxes on their earnings. It's important to consult a tax professional or refer to the IRS guidelines for more specific information on claiming a dependent child.
The IRS sets an income limit for a qualifying child dependent, which is adjusted for inflation each year. For the tax year 2020, this limit is set at $4,300. If a dependent child earns more than this amount, they may no longer qualify as a dependent on the taxpayer's return, potentially affecting eligibility for certain tax benefits and credits.
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Forces of Triangular Arbitrage You obtain the following quotes from different banks. One bank is willing to buy or sell Japanese yen at an exchange rate of 110 yen per dollar. A second bank is willing to buy or sell the Argentine peso at an exchange rate of $.37 per peso. A third bank is willing to exchange Japanese yen at an exchange rate of 1 Argentine peso = 40 yen. a. Show how you can make a profit from triangular arbitrage and what your profit would be if you had $1,000,000. b. As investors engage in triangular arbitrage, explain the effect on each of the exchange rates until triangular arbitrage would no longer be possible.
A. Direct rate of peso = $.37
Direct rate of yen = 1/110 = .0091
Cross rate pf peso should be 42.857 yen
But the actual peso cross rate is lower than it should be, so obtain yen and convert to pesos, and then convert to dollars.
$1,000,000 × 110 = 110,000,000 yen/40 = 2,750,000 pesos × .37 = $1,072,500.
Profit is $17,500.
B. The value of the yen should rise in relation to the dollar as dollars are converted to yen. The value of the yen should decline in relation to the peso as they are exchanged for one another. The value of the peso should decline in relation to the dollar as pesos are exchanged for dollars.
Triangular arbitrage is the outcome of a disparity between three foreign currencies when the exchange rates of the currencies are not perfectly in line with one another. The traders who take advantage of these opportunities typically possess cutting-edge computer hardware and/or programmes to automate the procedure because these possibilities are uncommon.
Profitable triangle arbitrage is extremely unusual because, when it does, traders will typically make trades that profit from the flaws, causing prices to move up or down until the chance is gone.
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a country that barters for imported products rather than paying in cash likely does so because its currency is convertible. group of answer choices true false
When a country chooses to barter for imported products rather than paying in cash, it is often because the country's currency is not convertible or is not widely accepted in international markets. Bartering allows the country to obtain necessary goods without the need for foreign currency, which may be difficult or expensive to acquire. In contrast, a currency that is convertible can be easily exchanged for other currencies on the global market, making it more desirable for international trade.
Therefore, a country that chooses to barter is likely doing so because of currency limitations rather than currency convertibility.
The statement "A country that barters for imported products rather than paying in cash likely does so because its currency is convertible" is False. In such a scenario, the country likely does so because its currency is not easily convertible or has low value in international markets, making it difficult to pay in cash for imported products.
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Colorful Paint Company is preparing a flexible budget for the month of September, using a contribution margin format. Staff have completed the budget if 12,000 units of product are produced and sold. You must complete the budget if 16,000 units of product are produced and sold.
The following information is given:
For Sales of 12,000 units:
Sales = $48,000
Variable costs = $18,000
Fixed costs are $16,000 for any level of sales.
If the company sells 16,000 units, what is the budget's Fixed Costs amount (for 16,000 units)?
The flexible budget for Colorful Paint Company for the month of September using a contribution margin format, with 16,000 units sold, would have the same fixed costs as for 12,000 units sold, which is $16,000.
To determine the flexible budget for Colorful Paint Company if 16,000 units of product are produced and sold, we'll follow these steps:
1. Understand the given information for sales of 12,000 units.
2. Determine the fixed costs for any level of sales.
3. Apply the fixed costs to the 16,000 units scenario.
Step 1: Understand the given information for sales of 12,000 units.
Sales for 12,000 units are $48,000, variable costs are $18,000, and fixed costs are $16,000.
Step 2: Determine the fixed costs for any level of sales.
According to the information provided, fixed costs remain the same for any level of sales. In this case, the fixed costs are $16,000.
Step 3: Apply the fixed costs to the 16,000 units scenario.
Since fixed costs remain constant at any sales level, the budget's Fixed Costs amount for selling 16,000 units will be the same as for selling 12,000 units. Therefore, the Fixed Costs amount for selling 16,000 units is $16,000.
In conclusion, if the Colorful Paint Company sells 16,000 units, the budget's Fixed Costs amount (for 16,000 units) is $16,000.
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perpare all necesarry closing entries in journal formcr sales revenue 125,000dr rent expense 9,000dr salaries expense 20,500dr sale, general and administrative expense 10,000dr cost of goods sold 17,500
CR Sales Revenue $125,000, DR Rent Expense $9,000, DR Salaries Expense $20,500, DR Sale, General and Administrative Expense $10,000, DR Cost of Goods Sold $17,500.
At the end of an accounting period, it is necessary to prepare closing entries to transfer the balances of temporary accounts to the permanent accounts. The temporary accounts that require closing include revenue, expense, and dividend accounts.
In the given scenario, the closing entries required are as follows: Firstly, the Sales Revenue account needs to be closed by debiting the account with $125,000 and crediting the Income Summary account for the same amount.
Similarly, the Rent Expense account is closed by debiting the Income Summary account for $9,000 and crediting the Rent Expense account. Next, the Salaries Expense account is closed by debiting the Income Summary account for $20,500 and crediting the Salaries Expense account.
The Sale, General, and Administrative Expense account is closed by debiting the Income Summary account for $10,000 and crediting the Sale, General, and Administrative Expense account. The Cost of Goods Sold account is closed by debiting the Income Summary account for $17,500 and crediting the Cost of Goods Sold account.
The Income Summary account is then closed by debiting the account for $67,000 and crediting the Retained Earnings account for the same amount. Lastly, the Dividends account is closed by debiting the account for $10,000 and crediting the Retained Earnings account.
These closing entries ensure that the balances of all temporary accounts are closed out, and the net income or loss for the period is transferred to the Retained Earnings account, which is a permanent account representing the accumulated profits or losses of the company over time.
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1) bluefin corp. will pay a dividend of $3.15 per share in year one, $3.49 per share in year two, and $4.65 per share in year three. in year four, you think that willoz inc. will buy bluefin corp. at $53.00 per share and all bluefin corp. stock owners will be paid $53.00 per share at the closing. the required return rate is 14.3%. so, what is the present value of a bluefin stock?
The present value of a Bluefin stock is $38.84.
We have to figure out the present value of the dividend payments and the present value of the sale price at the end of year four in order to determine the present value of a Bluefin stock.
The following formula can be used to determine the dividend payments' present value using the dividend discount model: Dividends.
PV (dividends) is equal to D1/(1+r) ^ 1, D2/(1+r) ^ 2, and D3/(1+r) ^ 3.
where D1 = $3.15, D2 = $3.49, D3 = $4.65, and r = 14.3%.
PV (dividends) = $3.15/ (1+0.143) ^1 + $3.49/ (1+0.143) ^2 + $4.65/ (1+0.143) ^3
PV (dividends) = $8.22
The present value of the sale price at the end of year four must then be determined.
To do this, capitalize on the equation that follows.
PV (price at sale) = FV/(1+r) n
where FV = $53.00, n = 4 years, and r = 14.3%.
PV (sale price) = $53.00/(1+0.143) ^4
PV (sale price) = $30.62
PV (Bluefin stock) = PV (dividends) + PV (sale price)
PV (Bluefin stock) = $8.22 + $30.62
PV (Bluefin stock) = $38.84
Therefore, the present value of a Bluefin stock is $38.84.
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When an entity chooses the revaluation model as its accounting policy for measuring property, plant, and equipment, which of the following statements is correct? a. When an asset is revalued, the entire class of property, plant, and equipment to which that asset belongs must be revalued. b. When an asset is revalued, individual assets within a class of property, plant, and equipment to which that asset belongs may be selectively revalued. c. Revaluations of property, plant, and equipment must be made at least every three years. d. Increases in an asset's carrying value as a result of the first revaluation must be recognized.
B. When an asset is revalued, individual assets within a class of property, plant, and equipment to which that asset belongs may be selectively revalued.
When an entity chooses the revaluation model as its accounting policy for measuring property, plant, and equipment, individual assets within a class of property, plant, and equipment to which that asset belongs may be selectively revalued. This is the correct statement.
Under the revaluation model, an entity can choose to revalue its property, plant, and equipment to reflect their fair value at the end of each reporting period. Revaluations are made on a selective basis, rather than on the entire class of assets, and the effect of the revaluation is recognized in other comprehensive income (OCI) and accumulated in equity.
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Harley davidson stores sell merchandise which attract people who love motorcycles and the idea of an open road and freedom. some are bikers and others are those who do not have a harley davidson motorcycle but buy the hd logo apparel and accessories. therefore, harley davidson is using _____________ as the scheme for market segmentation. benefit segmentation geographic segmentation demographic segmentation lifestyle segmentation
Harley Davidson is using lifestyle segmentation as the scheme for market segmentation. They are targeting people who share a certain lifestyle and mindset of enjoying the freedom and adventure that comes with riding a motorcycle on the open road.
This includes both bikers and non-bikers who are attracted to the brand's image and values, and who want to express their affiliation through the purchase of Harley Davidson merchandise.
This is because they are targeting customers who are attracted to the idea of an open road, freedom, and love for motorcycles, regardless of whether they own a Harley Davidson or not. They focus on people's interests, preferences, and values related to motorcycles and the associated lifestyle.
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Explain these:
a. Direct Subsidized Loans
b. Direct Unsubsidized Loans
c. Direct PLUS Loans
d. Direct Consolidation Loans
Direct Subsidized Loans, also known as Stafford Loans, are federal student loans that are available to government pays with financial need.
The government pays the interest on these loans while the student is enrolled in school at least half-time, during the grace period after leaving school, and during deferment periods.
Direct Unsubsidized Loans are federal student loans available to undergraduate, graduate, and professional students, regardless of financial need. Unlike subsidized loans, the government does not pay the interest on these loans, and interest accrues while the student is in school, during the grace period, and during deferment periods.
Direct PLUS Loans are federal loans that graduate or professional students and parents of dependent undergraduate students can use to help pay for education expenses not covered by other financial aid. PLUS loans require a credit check, and the borrower is responsible for paying all interest charges.
Direct Consolidation Loans allow borrowers to combine multiple federal loans into one loan with a single monthly payment. This can simplify the repayment process and potentially lower the monthly payment by extending the loan term. However, the interest rate on the consolidation loan is the weighted average of the interest rates on the loans being consolidated.
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xyz stock price and dividend history are as follows: year beginning-of-year price dividend paid at year-end 2018 $ 100 $ 4 2019 110 4 2020 90 4 2021 95 4 an investor buys three shares of xyz at the beginning of 2018, buys another two shares at the beginning of 2019, sells one share at the beginning of 2020, and sells all four remaining shares at the beginning of 2021. required: a. what are the arithmetic and geometric average time-weighted rates of return for the investor? (do not round intermediate calculations. round your answers to 2 decimal places.)
The arithmetic average time-weighted rate of return is 49%, and the geometric average time-weighted rate of return is 57%.
To calculate the time-weighted rate of return, we need to calculate the return on each investment period and then combine them using the formula;
TWRR = (1 + R₁) × (1 + R₂) × ... × (1 + [tex]R_{n}[/tex]) - 1
where R₁, R₂, ..., [tex]R_{n}[/tex] are the returns for each investment period.
Let's calculate the returns for each investment period;
For the first purchase of three shares at the beginning of 2018, the cost is 3×$100 = $300. At the end of 2018, the investor receives a dividend of 3×$4 = $12. At the beginning of 2019, the value of the investment is 3×$110 + $12 = $342. Therefore, the return for this period is ($342 - $300) / $300 = 0.14 or 14%.
For the second purchase of two shares at the beginning of 2019, the cost is 2×$110 = $220. At the end of 2019, the investor receives a dividend of 5×$4 = $20. At the beginning of 2020, the investor sells one share for $90. Therefore, the return for this period is (($90 + $20) - $220) / $220 = -0.295 or -29.5%.
For the sale of one share at the beginning of 2020, the investor receives $90. The return for this period is ($90 - $110) / $110 = -0.1818 or -18.18%.
For the sale of the remaining four shares at the beginning of 2021, the investor receives 4×$95 = $380. The return for this period is ($380 - $90) / $90 = 3.222 or 222.2%.
Now, we calculate the time-weighted rate of return using the formula;
TWRR = (1 + R₁) × (1 + R₂) × (1 + R₃) × (1 + R₄) - 1
where R1 = 0.14, R₂ = -0.295, R₃ = -0.1818, and R₄ = 3.222.
TWRR = (1 + 0.14) × (1 - 0.295) × (1 - 0.1818) × (1 + 3.222) - 1
= 2.05 or 205%
The arithmetic average rate of return is the sum of the returns divided by the number of periods;
Arithmetic Average = (0.14 - 0.295 - 0.1818 + 3.222) / 4
= 0.49 or 49%
The geometric average rate of return is the nth root of the product of (1 + R) for each period, where n is the number of periods;
Geometric Average = (1 + 0.14) × (1 - 0.295) × (1 - 0.1818) × (1 + 3.222))^(1/4) - 1 = 0.57 or 57%
Therefore, the arithmetic and geometric average time-weighted rates of return is 49%, and 57%.
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Which of the following controls are designed to minimize the risk of inaccurate or invalid master data? (Check all that apply.)A. Use access controls to restrict which employees can access master dataB. Utilize the processing integrity controls discussed in Chapter 13C. Encrypt all master dataD. Review all changes to the master data
The correct options are A. Use access controls to restrict which employees can access master data and D. Review all changes to the master data
Both access controls and reviewing changes to master data are designed to prevent unauthorized or inaccurate changes to the master data. Processing integrity controls and encryption may be useful for ensuring the completeness and accuracy of data during transmission or storage, but they do not directly address the accuracy or validity of the master data itself.
Access controls limit the number of employees with access to the master data, reducing the risk of unauthorized changes. Reviewing changes to the master data allows for identifying any errors and correcting them promptly. These controls are essential for maintaining accurate and reliable master data, which is critical for effective decision-making and operations.
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One of the requirements that a participating provider must comply with is to.
One of the requirements that a participating provider must comply with is to make fee adjustments for the difference between amounts charged to patients for services provided and payer-approved fees.
The Blue Cross and Blue Shield Association (BCBSA), an association of independent Blue Cross® and Blue Shield® Plans, runs the national BlueCard program, which enables members of one commercial BCBSA plan to access health care benefits while traveling or residing in the service area of another BCBSA plan.
Through a single electronic network for claims processing and reimbursement, the program connects participating healthcare providers with the independent Blue Cross and Blue Shield Plans across the nation and in more than 200 countries and territories worldwide.
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operations of production are moved to a less-developed nation and the cycle is complete as highly-developed nations become importers of this product.
The above statement refers to the concept of outsourcing, where the operations of production are relocated to less-developed nations with lower labor costs and fewer regulations.
This process allows companies to take advantage of the cost savings and economies of scale offered by these nations, and ultimately results in the production of goods that are sold back to highly-developed nations as imports. Outsourcing has become a popular strategy for businesses looking to reduce their operating costs and remain competitive in the global marketplace.
However, outsourcing has also been a topic of controversy, with critics arguing that it can lead to job losses and exploitation of workers in developing countries.
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during the 1980s, which of the following was not a change in the financial environment that had an inverse impact on u.s. banks and thrifts?
The financial climate of the 1980s did not change the decline in foreign investment in the US market which adversely affected US banks and thrifts. Here option D is the correct answer.
During the 1980s, the financial environment underwent significant changes, which had a profound impact on the banking and thrift industry in the United States. One of the changes was the deregulation of interest rates, which allowed banks and thrifts to offer higher interest rates on deposits but also exposed them to interest rate risk. Another change was the deregulation of deposit insurance, which led to increased competition for deposits and placed additional pressure on banks and thrifts to maintain adequate capital levels.
Another change was the increase in competition from non-bank financial institutions such as mutual funds, insurance companies, and securities firms. These institutions offered higher returns on investment products and were not subject to the same regulations as banks and thrifts, making it more difficult for them to compete.
However, a decrease in foreign investment in the US market was not a change in the financial environment during the 1980s that had an inverse impact on US banks and thrifts. Foreign investment in the US market could have had a positive impact on banks and thrifts by increasing the availability of capital and providing opportunities for international expansion.
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Complete question:
Which of the following was not a change in the financial environment during the 1980s that had an inverse impact on US banks and thrifts?
A) Deregulation of interest rates
B) Deregulation of deposit insurance
C) Increase in competition from non-bank financial institutions
D) Decrease in foreign investment in the US market
Barge Company sells goods to Tug Corp. in exchange for a $135,000 3-year note bearing 8% interest. Interest is payable each year. The market rate of interest for a transaction of this nature for Tug is 12%. What is the carrying value of the note receivable at the time of the sale (rounded to the nearest dollar)?
* the present value of an ordinary annuity of 1 at 8% for 3 year is 2.57710
the present value of an ordinary annuity of 1 at 12% for 3 years is 2.40183
the present value of a single-sum of 1 at 8% for 3 year is 0.79383
the present value of a single-sum of 1 at 12% for 3 years is 0.71178
a. $32,400 b. $122,030 c. $96,090 d. $135,000
Rounded to the nearest dollar, the carrying value of the note receivable is $122,030. So, the correct option is (b) $122,030.
To determine the carrying value of the note receivable, we need to find the present value of the note at the time of the sale using the market interest rate of 12%.
The present value of the note is the present value of the payments plus the present value of the principal.
The present value of the payments is an annuity due, since the interest is paid at the beginning of each year.
Using the given information, we can calculate:
Present value of payments = $135,000 × 0.08 × 2.40183 = $25,908.53
Present value of principal = $135,000 × 0.71178 = $96,090.30
Therefore, the carrying value of the note receivable is:
Carrying value = Present value of payments + Present value of principal
= $25,908.53 + $96,090.30
= $121,998.83
Rounded to the nearest dollar, the carrying value of the note receivable is $122,030.
So, the correct option is (b) $122,030.
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